In 2024, there is a noticeable trend in both fintech and media industries towards utilizing technology to combat fraud. The 3D Secure protocol has become the industry standard for payment systems and banks. It prevents fraudsters from using a bank card without the owner’s permission. When a payment system receives a transaction request, 3D Secure generates a special code and sends it to the card owner via SMS to confirm the legitimacy of the transaction.
Platforms like Meta, Google, and LinkedIn place a strong emphasis on security. They are tightening the requirements for payment methods on advertising accounts, recommending the use of cards issued by banks in the U.S. or Europe that support Visa or Mastercard.
Recent trends indicate that advertising platforms increasingly accept virtual cards with 3D Secure, as confirmed by media buyers’ feedback.
We have compiled a list of the top 5 virtual cards for ad payments on Facebook, Google, and LinkedIn. All of them use 3D Secure technology and, according to professionals, ensure minimal declines.
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PSTNET
PSTNET is a financial platform that allows users to create the best card for ad spend, according to its users. You can issue specific cards for each platform — Facebook, Google, and LinkedIn, by simply clicking on the type of card you need in your personal dashboard. Each card comes equipped with the necessary technological features for its respective advertising platform.
The platform offers both debit and credit cards, supporting transactions in USD and EUR, as well as crypto top-ups. PSTNET cards can be issued without limits or restrictions.
Features:
- Zero fees: no fees for transactions, declined operations, or frozen card activities, and no fees for withdrawals
- Top-up fees: starting at 2%
- 3% cashback: cashback on ad spend available on certain cards
- 3 top-up methods: 18 cryptocurrencies, bank transfers (SWIFT/SEPA), other Visa/Mastercard cards
- 25+ BINs: from U.S. and European banks, minimizing the risk of payment declines
- Online BIN checker: instant, free access to extended card information
- Team Collaboration Tools: assign tasks, set roles for team members, and set limits on cards
- Expense analytics: users have access to financial operation reports
- 3D Secure Technology: ensures secure payments
- Two-factor authentication: guarantees the security of user data
- Telegram bot: receive 3D Secure codes and service updates via Telegram
- One-step registration: sign up using Apple ID, Google, Telegram, WhatsApp, or email
- 24/7 customer support: instant responses via Telegram, WhatsApp, or live chat
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Lamanche Payments
Lamanche Payments is a service that issues virtual cards for ad payments. All cards are debit and work with Visa, Mastercard, and UnionPay. Transactions are processed in EUR.
The service does not charge fees for card issuance or maintenance. However, there are limits on card issuance. By default, you can issue no more than 10 cards per day and no more than 30 cards in total.
Features:
- 0% transaction fees
- 7 BINs: from U.K. banks
- Balance top-up: via JackWallet crypto wallet using USDT TRC20, ERC20
- Team Collaboration Tools: add new users and assign roles within the personal dashboard
- Expense analytics: transaction reports are visible in the personal dashboard
- 3D Secure: can be disabled on certain cards
- Registration: register and issue cards through the personal account with manager assistance. The process takes no more than 10 minutes
- Customer support: connect with a personal manager via Telegram
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LinkPay
LinkPay is a financial service that issues virtual cards for ad payments. It offers a universal card for popular platforms—the Multi Ads card. All cards are credit-based and support Visa and Mastercard systems.
Cards are available through a subscription service. The Plus plan includes access to 100 free virtual cards with improved rates and cashback.
Features:
- 0% fees: for top-ups, withdrawals, and declined payments
- 5 BINs: from European banks
- Top-up methods: 7 popular cryptocurrencies, including USDT (TRC20), bank transfers, and transfers from other cards
- Team Collaboration Tools: assign tasks, set roles for team members, and set limits on cards
- Expense analytics: users have access to financial reports in the personal dashboard
- 3D Secure Technology: ensures secure payments
- Registration: fill out a form on the website; KYC is not required
- 24/7 customer support: available via live chat on the website and Telegram
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Flexcards
Flexcard issues virtual Visa and Mastercard cards for advertising payments. These cards can be issued in unlimited quantities. They are debit cards and support transactions in euros.
Features:
- 0% commission: no fees for card maintenance or transactions
- Top-up commission: starting at 3.5%
- 3 BIN types: from European and U.S. banks, with BINs updated every 3-4 months
- Balance top-up options: USDT TRC20, bank transfers, Capitalist platform, and transfers from partner service balances
- Team collaboration tools: including task distribution, role assignment, and setting card spending limits
- Expense analytics: users can receive detailed reports on card transactions
- Registration: takes less than a day. To activate your account, you need to fill out a form and submit it to a service manager
- Customer support: is available from 10:00 AM to 10:00 PM (GMT +3) and is ready to assist users with any issues promptly.
5. Abcard
Abcard.io (also known as AnyBill) is a financial service offering virtual cards for advertising payments and international transactions. All cards are issued through Visa, Mastercard, and UnionPay payment systems, with issuing banks located in the UK, Europe, and the U.S.
The service allows users to issue an unlimited number of cards. All cards are free, though there is a minimum deposit of $150 for the first balance top-up, and subsequent top-ups require a minimum of $500.
Features:
- Top-up commission: starting at 3.5%
- 6 BINs: located in the UK, U.S., and Europe
- Balance top-up options: USDT (TRC20, ERC20)
- Team collaboration tools: task distribution and role assignment
- Expense analytics: detailed transaction reports
- Transaction and data security: secured with encryption technologies
- Registration: standard registration form with account verification through a Telegram bot. The whole process takes less than an hour.
- 24/7 customer support: available through the website chat or via email.
Advertising platforms prioritize security, which is why professional media buyers recommend using 3D Secure-enabled cards for payments on platforms like Facebook, Google, and LinkedIn.
All the cards in our review come equipped with 3D Secure technology. Their issuing banks are located in the U.S. and Europe, and the payment systems they support are Visa and Mastercard. These cards ensure smooth transactions on popular platforms and come with special tools for budget management and expense analytics.
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